Direct securities based lender. We make getting loans simple, easy and inexpensive. If your client has a stock portfolio or cash that can be converted to stock or U.S. treasuries, please check out our website at www.sbffunding.net. We make NO INCOME, INTEREST ONLY, FIXED RATE loans ranging from 2.50% - 4.50%. NO LENDER FEES, credit reports, appraisals, executive summaries, project approvals or questionnaires. LTVs up to 80% of pledged securities market value. THIS MEANS THAT YOU MAY BE ABLE TO FINANCE 100%+ OF THE PURCHASE PRICE or WITHOUT LIMITATION WHEN REQUESTING A CASH-OUT REFI. Other Highlights: - NON RECOURSE LOAN - Loan terms of 3, 5, 7, or 10 years - Funds may be used for any purpose –The only collateral is the pledged securities. - Borrower receives all dividends and market appreciation - Quick Fundings - No Max. Loan amount, 100K Min - Open to Foreign Nationals – Great for Developers, Condos, Condotels, Fractionals –

PROGRAM HIGHLIGHTS

• NO MAXIMUM LOAN AMOUNT!!! (100K MIN.)
• Below Market Interest Rates – FIXED RATES from 2.5% to 4.5%
• High Loan Values – loan to security value ratios up to 80% (this means that you may be able to finance 100% plus of
the purchase price!)
• Non-Taxable event – as the securities are not sold
• No Credit Reporting – nor is it reported to public records
• Borrower Retains All Market Appreciation - borrower receives the benefit of any dividend or interest that the
securities generate
• This is a Non-Recourse Loan
• Open to Foreign Nationals
• Loan Proceeds May Be Used For Any Purpose - personal, business, etc.
• Flexible Terms at Loan Maturity - the borrower may renew the loan, refinance, extend the terms or pay off the loan
• Prompt Response to Your Loan Inquiry - usually within one business day of receiving the security information.
• Funds can be deposited into the borrowers account in seven to ten business days once the contract is signed and the
transfer takes place

SECURITIES THAT QUALIFY AS COLLATERAL ARE:

Publicly and Actively traded stocks, mutual funds, bonds and treasury notes that are not restricted in any manner. Most foreign securities are acceptable.

WHAT CANNOT BE USED:

• 401(k)`s, IRA`s or any restricted retirement fund
• Money Market Accounts
• CD`s
• Annuities
• Gold or silver mines
• Commodities
• CMO`s
• SBLC`s
• Bank Guarantees or Warranties
• Private notes or private bonds
• Bonds that are coming due within 3 years
• Bearer Bonds
• RSP’s, RRSP’s, (Canadian retirement accts.)

Please note that while the above mentioned items cannot be used, they can be converted to cash, then securities may be purchased and used as collateral.

- Borrower must have proof of ownership of the securities.
- We do not ask for credit history, income, employment or the intended use of the funds.